Black credit cards

Black credit cards can be considered to be ‘top tier’ credit cards, offering more premium features and services than platinum, gold or other standard options. Designed for high-earners and spenders, they can offer generous rewards programs, complimentary insurance, dedicated concierge services, travel benefits and much more.

Choose the right black Qantas Points earning credit card for you

There are a number of black credit cards that earn Qantas Points available, all offering a range of exclusive features and benefits. So, when looking for a black credit card, it’s a good idea to go through all the features to decide which ones are the most important to you. Explore our black credit card range here.

Why choose a black credit card?

A black credit card offers more privileges and perks than other types of credit cards. The features and benefits of black credit cards can include:

Higher credit limits
More rewards or Qantas Points per dollar
Higher points caps (or no points caps) for reward programs
More flexible reward programs
Travel vouchers
Greater financial coverage for insurance
Access to airport lounges around the world
Dedicated travel booking services
A personal concierge service
Invitations to exclusive events or promotions
Discounts and special promotions on travel, shopping and dining

When you're deciding on a black credit card, make sure you check the annual fees and other potential costs so that you can decide whether for you, the benefits outweigh the costs of the black credit card that you choose.

How do I apply for a black credit card?

How you apply will differ depending on the issuer. However, it is important to keep in mind:

Applicants must be at least 18 years of age.
You must have an excellent credit history.
You must have a regular source of income. Black credit cards also have higher minimum income requirements
Full-time employment is preferred. If you are self-employed, retired or on a pension and can provide proof of regular income, then you may also be eligible to apply.

What do I need to consider when choosing a black Qantas Points earning credit card?

It is important to ask yourself the right questions to make sure a black Qantas Points earning credit card is the right card for you:

Do you use credit a lot?

If you regularly pay with a credit card, the higher credit limit of a black credit card could offer you more flexibility when it comes to spending. It will also help you get the most out of features such as rewards.

Do you regularly pay off your credit card?

Black credit cards can have higher interest rates than other credit cards, so be sure that you can pay off your card monthly in order to enjoy the benefits fully.

How many of the features will you use?

While it’s great to have access to a wide range of features, the value comes from using them. Think about the features you want and how often you will use them, to decide whether or not a black credit card is right for you.

What you need to know

You must be a member of the Qantas Frequent Flyer program to earn and use Qantas Points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program Terms and Conditions.

Except for Qantas-branded products, products referred to on this webpage are not Qantas products and not offered or issued by Qantas but by the relevant Australian Financial Services Licence (AFSL) or Australian Credit Licence (ACL) holders. The information about the relevant product has been provided by the relevant licensees and not Qantas. Qantas does not hold an AFSL or ACL and is not a licensee or authorised representative in relation to the activities being engaged in by the relevant licensee (except for Qantas-branded products).

The information on this webpage is factual and of a general nature only and does not consider your personal objectives, financial situation or particular needs.

Qantas is not recommending the products described on this webpage. We recommend that you obtain independent advice before you apply for any product which is described on this webpage. Qantas does not accept any liability for any loss arising from the use of, or reliance, on the information provided on this webpage.

Points are offered by the relevant program card partner and partner reward program and can only be earned on eligible purchases. Bonus points amounts offered are different for each credit card. Minimum spend criteria, terms and conditions, fees and charges may apply.

^Estimated points calculations:

Are based on a fixed monthly spend each month for the period specified and will include the relevant card’s sign on bonus points, provided the monthly spend amount meets the minimum spend criteria.

Where 2nd year bonus points are offered and the specified time period selected is 2 years or more, these points will be included.

Include points capping and points tiers, if applicable.

Assume 100% of spend is categorised as eligible everyday domestic spend. Check the relevant T&Cs to determine what spend qualifies for points earning. For some products, international spend, government spend and spend on Qantas products and services may result in additional points, or fewer points, being awarded. Where applicable, eligible domestic spend is split into 4 categories:

Major Restaurants, Cafes and Hotels (6%),
Major Petrol outlets, Supermarkets and National retailers (16%)
Utilities (3%)
All other spend (75%)

Do not factor in bonus points available for first-time Qantas Points earning credit cardholders (excludes the Qantas Premier Platinum credit card where these bonus points are always available).

Do not include bonus points on balance transfers.

This tool has been prepared by Qantas and not the associated financial institution. Amounts are estimations only, to be used as a guide, and are not a guarantee of points you will earn. Refer to the full T&Cs for the relevant card to see what purchases are eligible for earning points, and to ascertain points earn rates, bonus points, fees and charges associated over the duration you hold the card.

Compare black credit cards